Exhibit 99.15
Exception Grades
Run Date - 6/5/2025 8:46:02 AM
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 223395462 | 3158548369 | 33495207 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Reviewer Comment (2025-05-21): PCCD resolved issue |
05/21/2025 | 2 | C | B | C | B | C | B | C | B | C | B | TN | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395464 | 3158548375 | 33474495 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee of $[Redacted] POC, plus the down payment/deposit of $[Redacted], plus gift funds of $[Redacted] total funds to be verified is $[Redacted]. Additionally, guidelines require 6 months of reserves for this loan ($[Redacted]), and there are only [Redacted]months of reserves verified ($[Redacted]). Shortage is due to deposit of $[Redacted] to [Redacted] #[Redacted] on [Redacted]. Funds were transferred from non-borrowing spouse's account and there is no corresponding gift letter. | Reviewer Comment (2025-05-19): sufficient asset documentation is in file and meets guideline requirements Buyer Comment (2025-05-19): The non-borrowing spouse transferred these funds from their personal account #[Redacted] into their joint account #[Redacted] (with borrowing spouse). The source of these funds is not in question and a gift letter should not be necessary since this was transferred in their joint account. |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395464 | 3158548375 | 33474548 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing third party verification of self-employment and shortage of reserves, resulting in a loan designation discrepancy. | Reviewer Comment (2025-05-20): CPA letter received Buyer Comment (2025-05-20): Please review uploaded letter from CPA. |
05/20/2025 | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395464 | 3158548375 | 33474549 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Partnership | General QM: Unable to verify current Partnership status using reasonably reliable third-party records. | Missing third party verification of self-employment. | Reviewer Comment (2025-05-20): CPA letter received Buyer Comment (2025-05-20): Please review uploaded letter from CPA. |
05/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395464 | 3158548375 | 33474550 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing third party verification of self-employment and shortage of reserves. | Reviewer Comment (2025-05-19): sufficient asset documentation is in file and meets guideline requirements |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395467 | 3158548382 | 33476123 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Missing valid third party verification of self-employment for Schedule C income used to qualify. | Reviewer Comment (2025-05-20): VOE received for each borrower Buyer Comment (2025-05-20): Please review uploaded VOE documentation for both borrowers. |
05/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395467 | 3158548382 | 33476126 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing valid third party verification of employment for both borrowers, resulting in a loan designation discrepancy. | Reviewer Comment (2025-05-20): VOE received for each borrower Buyer Comment (2025-05-20): Please review uploaded VOE documentation for both borrowers. |
05/20/2025 | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395467 | 3158548382 | 33479843 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing valid third party verification of employment for both borrowers. | Reviewer Comment (2025-05-20): VOE received for each borrower Buyer Comment (2025-05-20): Please review uploaded VOE documentation for both borrowers. |
05/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395467 | 3158548382 | 33479846 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing valid third party verification of self-employment for Schedule C income used to qualify. | Reviewer Comment (2025-05-20): VOE received for each borrower Buyer Comment (2025-05-20): Please review uploaded VOE documentation for both borrowers. |
05/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395467 | 3158548382 | 33479852 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing valid third party verification of employment for income used to qualify. | Reviewer Comment (2025-05-20): VOE received for each borrower Buyer Comment (2025-05-20): Please review uploaded VOE documentation for both borrowers. |
05/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395467 | 3158548382 | 33479868 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing valid third party verification of employment for both borrowers. | Reviewer Comment (2025-05-20): VOE received for each borrower Buyer Comment (2025-05-20): Please review uploaded VOE documentation for both borrowers. |
05/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395467 | 3158548382 | 33479899 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing valid third party verification of employment for both borrowers. | Reviewer Comment (2025-05-20): VOE received for each borrower Buyer Comment (2025-05-20): Please review uploaded VOE documentation for both borrowers. |
05/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395468 | 3158548383 | 33475154 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | 3 | C | C | C | C | C | C | C | C | C | C | MN | Primary | Refinance - Rate/Term | C | C | A | A | A | A | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 223395468 | 3158548383 | 33475892 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing |
05/16/2025 | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | C | A | A | A | A | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395468 | 3158548383 | 33475893 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing |
05/16/2025 | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | C | A | A | A | A | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395468 | 3158548383 | 33475894 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing |
05/16/2025 | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | C | A | A | A | A | C | C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395470 | 3158548389 | 33479522 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-05-20): proof of appraisal delivery received Buyer Comment (2025-05-20): Please review uploaded proof of appraisal delivery / appraisal acknowledgement. |
05/20/2025 | 1 | B | A | B | A | B | A | B | A | B | A | TN | Second Home | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395471 | 3158548391 | 33481053 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |
05/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395472 | 3158548392 | 33474640 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. | Reviewer Comment (2025-05-21): proof of email delivery of appraisal received Buyer Comment (2025-05-21): Please review uploaded proof of appraisal delivery. |
05/21/2025 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395472 | 3158548392 | 33475108 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file, exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-16): Universal Product Exception Form in file, exception approved with comp factors. |
05/16/2025 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395472 | 3158548392 | 33475112 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file, exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-16): Universal Product Exception Form in file, exception approved with comp factors. |
05/16/2025 | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395473 | 3158548394 | 33474664 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. | Reviewer Comment (2025-05-19): appraisal delivery received Buyer Comment (2025-05-19): Please review uploaded proof of appraisal delivery. |
05/19/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395477 | 3158548399 | 33492739 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial CD issued [Redacted] was e-signed [Redacted] prior to [Redacted] closing date. No evidence in file that the initial CD was received by the borrower 3+ days prior to closing. | Reviewer Comment (2025-05-22): ComplianceEase report confirms receipt date Buyer Comment (2025-05-22): Please see page 18 of the uploaded ComplianceEase indicating initial CD receipt date of [Redacted]. |
05/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395479 | 3158548401 | 33471360 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Survey fee was not previously disclosed to the borrower on the Loan estimate but it appeared on the closing disclosure as $[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2025-05-29): [Redacted] received Post CD and LOX. Buyer Comment (2025-05-28): Please review uploaded LOE and PCCD. |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395481 | 3158548403 | 33476779 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal sent on [Redacted]. Default receipt date is [Redacted], which is less than 3 business days prior to Note date ([Redacted]). Neither compliant borrower's acknowledgment of receipt nor waiver of delivery timing requirements provided. | Reviewer Comment (2025-05-20): appraisal acknowledgement received Buyer Comment (2025-05-20): Please review uploaded appraisal acknowledgement. |
05/20/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395489 | 3158548414 | 33497709 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The amounts in section G and the subtotal for the section changed on the Post close CDs and the Initial Escrow Account Disclosure was not corrected and re-issued. | Reviewer Comment (2025-05-28): tax info sheet received Buyer Comment (2025-05-28): Please see Tax Info Sheet in lieu of the IEADS. |
05/28/2025 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395489 | 3158548414 | 33498743 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-21): Sufficient Cure Provided At Closing |
05/21/2025 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395489 | 3158548414 | 33498744 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-21): Sufficient Cure Provided At Closing |
05/21/2025 | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395490 | 3158548415 | 33484600 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Copy of Appraisal Report dated [Redacted], missing evidence of receipt. | Reviewer Comment (2025-05-20): appraisal receipt received Buyer Comment (2025-05-20): Please review Appraisal receipt attached, originally in file |
05/20/2025 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395490 | 3158548415 | 33484642 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |
05/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395490 | 3158548415 | 33484643 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |
05/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395492 | 3158548419 | 33473690 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. | Reviewer Comment (2025-05-19): appraisal receipt received Buyer Comment (2025-05-19): Appraisal receipt attached |
05/19/2025 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395494 | 3158548422 | 33471485 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing |
05/16/2025 | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395494 | 3158548422 | 33471486 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing |
05/16/2025 | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395494 | 3158548422 | 33471487 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Management Company (Service Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing |
05/16/2025 | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395496 | 3158548424 | 33479775 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted] . Insufficient or no cure was provided to the borrower. | The Lender Credit changed to $-[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2025-06-02): PCCD, refund check, LOX, and proof of mailing has been received Buyer Comment (2025-06-02): Please review evidence of cure attached: PCCD, refund, proof of delivery and letter to borrower Reviewer Comment (2025-05-28): [Redacted] received rebuttal, However, if the creditor subsequently reduces the specific lender credit by $[Redacted] because the Title - Archive fee and Closing Coordination fee removed by $[Redacted] and added the Title - Transaction Mgmt. fee of $[Redacted] on CD dated [Redacted], then the creditor has a zero-tolerance standard violation because, although the amount of the Title fees are decreased, the amount of the lender credit decreased. (Comment 19(e)(3)(i)-5). Cure would be required. Lender credit is separate fee and is tested separately. No valid changed circumstance provided for the fees were removed and reduction in lender credit. Cure with Corrected CD, LOE to borrower, copy of cure refund for $[Redacted] and proof of mailing. Buyer Comment (2025-05-27): Please review Lender letter of explanation attached Reviewer Comment (2025-05-21): [Redacted] received rebuttal comment, however, the fee lender credit decreases of $[Redacted] from $[Redacted] on initial CD dated [Redacted] without VCC's. Provide valid COC for the lender credit decreased on [Redacted] CD or Cure is required to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Buyer Comment (2025-05-20): Do not concur- the Line Level Credit decreased on the Final CD as the fee(s) was not charged to the borrower, this is acceptable |
06/02/2025 | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395499 | 3158548427 | 33475349 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. | Reviewer Comment (2025-05-19): appraisal receipt received Buyer Comment (2025-05-19): Appraisal receipt attached |
05/19/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Second Home | Refinance - Rate/Term | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395503 | 3158548433 | 33484950 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exceptions of DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-20): Exception approved, with comp factors. |
05/20/2025 | 2 | B | B | B | B | B | B | B | B | B | B | MT | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395503 | 3158548433 | 33485391 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Copy of Appraisal Report dated [Redacted], missing evidence of receipt. | Reviewer Comment (2025-05-21): appraisal acknowledgement form received Buyer Comment (2025-05-21): Appraisal receipt attached |
05/21/2025 | 1 | B | A | B | A | B | A | B | A | B | A | MT | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395503 | 3158548433 | 33485426 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exceptions of DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-20): Exception approved, with comp factors. |
05/20/2025 | 2 | B | B | B | B | B | B | B | B | B | B | MT | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395505 | 3158548438 | 33479578 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. | Reviewer Comment (2025-05-20): appraisal receipt received Buyer Comment (2025-05-20): Appraisal receipt attached |
05/20/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395505 | 3158548438 | 33484812 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |
05/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395508 | 3158548444 | 33470876 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | File is missing a copy of Verification of Rent document | Reviewer Comment (2025-05-19): per applicable guidelines and the DU report in file, rental history was not required Buyer Comment (2025-05-19): Do not concur. [Redacted] Jumbo AUS guidelines state when a rental history is required by the respective Agency based on AUS method, the rental history must meet [Redacted] housing payment history requirements. The DU Findings in file are not requiring a rental history. |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395509 | 3158548445 | 33479506 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-05-20): appraisal receipt received Buyer Comment (2025-05-20): Appraisal receipt attached, originally in file |
05/20/2025 | 1 | B | A | B | A | B | A | B | A | B | A | SC | Second Home | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395509 | 3158548445 | 33479508 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |
05/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | SC | Second Home | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395511 | 3158548447 | 33473055 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the estimated cost new is not disclosed on the appraisal. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted] ([Redacted]%), for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2025-05-19): HOI document received shows [Redacted]% replacement cost Buyer Comment (2025-05-19): Do not concur- Homeowner's Ins includes Replacement Cost: [Redacted]% replacement, this is acceptable coverage |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395518 | 3158548458 | 33471890 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Verification of 12 months housing history required per guidelines. Verification was not provided. | Reviewer Comment (2025-05-19): per guidelines and the DU report in file, rental history is not required. Buyer Comment (2025-05-19): Do not concur. [Redacted] Jumbo AUS guidelines state when a rental history is required by the respective Agency based on AUS method, the rental history must meet [Redacted] housing payment history requirements. The DU Findings in file are not requiring a rental history. |
05/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395519 | 3158548459 | 33473562 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence delivery of the appraisal to the borrowers. | Reviewer Comment (2025-05-19): appraisal receipt received Buyer Comment (2025-05-19): Please see receipt of the Appraisal |
05/19/2025 | 1 | B | A | B | A | B | A | B | A | B | A | TN | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395522 | 3158548464 | 33478106 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-05-20): confirmation of appraisal delivery received Buyer Comment (2025-05-20): DO Not Concur - letter to borrower in file confirming mailing |
05/20/2025 | 1 | B | A | B | A | B | A | B | A | B | A | VA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395522 | 3158548464 | 33478108 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Credit Report Fee was previously disclosed to the borrower on the Loan estimate as $[Redacted] but it increased on the closing disclosure as $[Redacted] with no valid Change of Circumstance found in file and no evidence of a tolerance cure provided. | Reviewer Comment (2025-05-21): Upon further review consumer within [Redacted]% tolerance requirements. Buyer Comment (2025-05-20): Do Not Concur - please review verbiage on page 3 of LE / Construction Loan |
05/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395523 | 3158548465 | 33488205 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-20): Sufficient Cure Provided At Closing |
05/20/2025 | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395523 | 3158548465 | 33490485 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted] and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. The insurance policy does state there is "extended coverage", however, there is no evidence of the dollar amount or percentage of coverage. | Reviewer Comment (2025-05-22): RCE received and the HOI coverage is sufficient Buyer Comment (2025-05-22): Do Not Concur - please review RCE Reviewer Comment (2025-05-21): document received is not an RCE, please resubmit Buyer Comment (2025-05-21): Do Not Concur -please review replacement cost estimator |
05/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395525 | 3158548467 | 33491377 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Expanded Approval and Exception Form in file for lender exception of DTI exceeding guidelines. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-21): Exception approved, with comp factors. |
05/21/2025 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395525 | 3158548467 | 33491383 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to DTI exceeding guideline, resulting in a loan designation discrepancy. | Reviewer Comment (2025-05-21): Loan is SHQM (APOR). |
05/21/2025 | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395525 | 3158548467 | 33493033 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Waterfall finding due to DTI exceeding guideline. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-21): Exception approved, with comp factors. |
05/21/2025 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395526 | 3158548469 | 33480205 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to points/fees failure, resulting in a loan designation discrepancy. | Reviewer Comment (2025-05-20): compliance test report received |
05/20/2025 | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395526 | 3158548469 | 33480206 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Reviewer Comment (2025-05-20): compliance test report received Buyer Comment (2025-05-20): Do Not Concur - lender test in file confirming undiscounted rate |
05/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395527 | 3158548470 | 33482707 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Copy of Appraisal Report dated [Redacted], missing evidence of receipt. | Reviewer Comment (2025-05-19): initial appraisal provided to the borrower, subsequent appraisal had no material difference |
05/19/2025 | 2 | B | B | B | B | B | B | B | B | B | B | NC | Second Home | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395529 | 3158548473 | 33485503 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing Property Tax Verification for [Redacted] property | Reviewer Comment (2025-05-21): tax doc for REO property received Buyer Comment (2025-05-21): DO Not Concur -Tax detail for [Redacted] Reviewer Comment (2025-05-21): tax docs received are for the subject property (on same street) as the REO property. need tax verification for the REO property Buyer Comment (2025-05-21): Do Not Concur - tax info in file |
05/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395531 | 3158548482 | 33476671 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-16): Sufficient Cure Provided At Closing |
05/16/2025 | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395533 | 3158548486 | 33480823 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. | Reviewer Comment (2025-05-20): appraisal acknowledgement received Buyer Comment (2025-05-20): See attached Appraisal Acknowledgment |
05/20/2025 | 1 | B | A | B | A | B | A | B | A | B | A | MA | Second Home | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395536 | 3158548489 | 33479761 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Copy of Appraisal Report dated [Redacted], missing evidence of receipt. | Reviewer Comment (2025-05-20): appraisal acknowledgement received Buyer Comment (2025-05-20): See attached Appraisal Acknowledgment |
05/20/2025 | 1 | B | A | B | A | B | A | B | A | B | A | TN | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395536 | 3158548489 | 33479763 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |
05/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395536 | 3158548489 | 33479764 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |
05/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395536 | 3158548489 | 33479765 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |
05/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395537 | 3158548490 | 33488005 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. | Reviewer Comment (2025-05-21): proof of electronic delivery of appraisal received Buyer Comment (2025-05-21): Do Not Concur - please review appraisal ack. |
05/21/2025 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395542 | 3158548499 | 33481634 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. | Reviewer Comment (2025-05-21): appraisal acknowledgement in file Buyer Comment (2025-05-21): Do Not Concur - please review acknowledgement |
05/21/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395542 | 3158548499 | 33485508 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |
05/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395543 | 3158548502 | 33481164 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Copy of Appraisal Report dated [Redacted], missing evidence of receipt. | Reviewer Comment (2025-05-20): document received is a "reconsideration of value disclosure", we are looking for evidence of delivery of the appraisal to the borrower. Buyer Comment (2025-05-20): Please review confirmation in file |
05/20/2025 | 1 | B | A | B | A | B | A | B | A | B | A | OR | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395543 | 3158548502 | 33481344 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing third party verification proof of self-employment for Borrower's S-Corp. | Reviewer Comment (2025-06-04): third party verification of the business has been received Buyer Comment (2025-06-04): Please see attached OR secretary of state business registry showing business has been active since [Redacted] and next renewal is [Redacted]. Reviewer Comment (2025-05-20): we do already have the tax returns, K-1's, W-2's to verify the income. we are looking for recent third party verification of employment / verification that the business is still active, within 30 days prior to closing. Buyer Comment (2025-05-20): Do Not Concur -please review W2's and tax returns |
06/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395543 | 3158548502 | 33481348 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing third party verification for Borrower's S-Corp, resulting in a loan designation discrepancy. | Reviewer Comment (2025-06-04): third party verification of the business has been received |
06/04/2025 | 1 | B | A | C | A | B | A | C | A | B | A | OR | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395543 | 3158548502 | 33481349 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | Waterfall finding due to missing third party verification for Borrower's S-Corp. | Reviewer Comment (2025-06-04): third party verification of the business has been received |
06/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395543 | 3158548502 | 33481350 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing third party verification for Borrower's S-Corp. | Reviewer Comment (2025-06-04): third party verification of the business has been received |
06/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395543 | 3158548502 | 33481362 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing third party verification for Borrower's S-Corp, resulting in a loan designation discrepancy. | Reviewer Comment (2025-06-04): third party verification of the business has been received |
06/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395544 | 3158548503 | 33483726 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Copy of Appraisal Report dated [Redacted], missing evidence of receipt. | Reviewer Comment (2025-05-21): appraisal ack form received, D0722 Buyer Comment (2025-05-21): Do Not Concur - doc in file |
05/21/2025 | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395545 | 3158548505 | 33481553 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Copy of Appraisal Report dated [Redacted], missing evidence of receipt. | Reviewer Comment (2025-05-20): appraisal acknowledgement received Buyer Comment (2025-05-20): See attached Appraisal acknowledgment. |
05/20/2025 | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Second Home | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395548 | 3158548513 | 33479147 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements | Reviewer Comment (2025-05-21): acceptable AVM received Buyer Comment (2025-05-21): See attached AVM |
05/21/2025 | 1 | D | A | D | A | D | A | D | A | D | A | WA | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395550 | 3158548519 | 33498174 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception for blind trust approved. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-21): Universal Product Exception Form in file, exception approved with comp factors. |
05/21/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395551 | 3158548520 | 33479591 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |
05/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395551 | 3158548520 | 33481996 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Copy of Appraisal Report dated [Redacted], missing evidence of receipt. | Reviewer Comment (2025-05-21): appraisal acknowledgement received Buyer Comment (2025-05-21): Please see receipt of Appraisal |
05/21/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395553 | 3158548522 | 33494147 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The Recording fee was previously disclosed to the borrower on the Loan estimate as $[Redacted] but it increased on the closing disclosure as $[Redacted] with no cure provided to the borrower. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2025-05-21): Sufficient Cure Provided At Closing |
05/21/2025 | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395553 | 3158548522 | 33496803 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception for income calculation. Exception approved, with comp factors. | Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-21): Universal Product Exception Form in file, exception approved with comp factors. |
05/21/2025 | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395554 | 3158548524 | 33489168 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-20): Sufficient Cure Provided At Closing |
05/20/2025 | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395555 | 3158548526 | 33477800 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |
05/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395555 | 3158548526 | 33477801 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |
05/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395558 | 3158548530 | 33487484 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of updated appraisal nor compliant acknowledgment of receipt signed at closing provided. | Reviewer Comment (2025-05-21): proof of e-delivery of appraisal received, D1347 Buyer Comment (2025-05-21): Please see receipt of Appraisal. |
05/21/2025 | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395558 | 3158548530 | 33487563 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___ State: ___ |
The proposed amount of the lender's policy is not disclosed on the title commitment. The final title policy is not provided. | Reviewer Comment (2025-05-21): title affidavit confirms correct coverage amount Buyer Comment (2025-05-21): Please see Affidavit of Title which reflects the coverage amount. |
05/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395559 | 3158548534 | 33488703 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. | Reviewer Comment (2025-05-21): appraisal acknowledgment form received Buyer Comment (2025-05-21): Please see receipt of appraisal |
05/21/2025 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395559 | 3158548534 | 33488706 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-20): Sufficient Cure Provided At Closing |
05/20/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395560 | 3158548536 | 33479513 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower on the note date is in the file, however, there is no 3-day waiver in file for delivery this close to the note date. | Reviewer Comment (2025-05-21): proof of appraisal receipt received Buyer Comment (2025-05-21): see attached receipt of Appraisal |
05/21/2025 | 1 | B | A | B | A | B | A | B | A | B | A | NV | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395560 | 3158548536 | 33479911 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-19): Sufficient Cure Provided At Closing |
05/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395561 | 3158548537 | 33496646 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee was disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2025-05-28): Program change to Jumbo product and higher cost appraisal Buyer Comment (2025-05-27): Please re-review initially approved as TBD loan program. The loan was locked on [Redacted] as a Jumbo product loan program, attached valid change in circumstance form [Redacted] Jumbo loan Appraisals typically cost $[Redacted] accompanied by Loan Estimate Issued [Redacted] with increase in Appraisal fee. Reviewer Comment (2025-05-26): [Redacted] received LOE for increase in appraisal fee from $[Redacted] to $[Redacted] due to change in loan product and loam amount change but the loan amount was unchanged and remains same on LE dated [Redacted] and [Redacted] also, jumbo product is loan amount dependent which seems no new information received to lender as loan amount is not changed. Please provide more information on change or cure will be required. Buyer Comment (2025-05-22): Please see attached LOX for the Appraisal fee increase due to the product and loan amount. |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395562 | 3158548538 | 33488837 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-05-21): proof of e-delivery of appraisal has been received Buyer Comment (2025-05-21): see attached receipt of appraisal |
05/21/2025 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Second Home | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395564 | 3158548540 | 33492385 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Escrow Waiver Fee | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose the Escrow Waiver Fee. | Page 4 of Final CD does not disclose an Escrow Waiver Fee amount and page 2 of the CD indicates the escrow waiver fee is $[Redacted]. | Reviewer Comment (2025-06-04): PCCD and LOX sent to borrower with corrected info for the escrow waiver fee has been received Buyer Comment (2025-06-04): Please review uploaded PCCD and LOE. Buyer Comment (2025-06-04): . |
06/04/2025 | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395565 | 3158548541 | 33496700 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2025-05-27): CDA supporting the appraised value has been received Buyer Comment (2025-05-27): Please review CDA |
05/27/2025 | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395566 | 3158548542 | 33480808 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Reviewer Comment (2025-05-23): 1004D received and acceptable Buyer Comment (2025-05-23): Please review uploaded 1004D. |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | A | A | A | B | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395566 | 3158548542 | 33481168 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2025-05-21): proof or e-delivery of appraisal received Buyer Comment (2025-05-21): See attached receipt of appraisal |
05/21/2025 | 1 | B | A | B | A | B | A | B | A | B | A | MO | Primary | Purchase | C | A | A | A | B | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395567 | 3158548543 | 33496155 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-21): Sufficient Cure Provided At Closing |
05/21/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395568 | 3158548544 | 33486689 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2025-05-20): Sufficient Cure Provided within 60 Days of Closing |
05/20/2025 | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395568 | 3158548544 | 33486690 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2025-05-20): Sufficient Cure Provided within 60 Days of Closing |
05/20/2025 | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395571 | 3158548549 | 33479355 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign document was not provided in the file. | Reviewer Comment (2025-05-21): e-consent form received Buyer Comment (2025-05-21): See attached e-Consent. |
05/21/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395572 | 3158548550 | 33490853 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-20): Sufficient Cure Provided At Closing |
05/20/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395576 | 3158548556 | 33490937 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. | Reviewer Comment (2025-05-22): proof of appraisal receipt received Buyer Comment (2025-05-22): Do not concur - Proof of receipt was in file at time of review - Please review document uploaded |
05/22/2025 | 1 | B | A | B | A | B | A | B | A | B | A | SC | Second Home | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395577 | 3158548557 | 33498171 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. no excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-21): Sufficient Cure Provided At Closing |
05/21/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395579 | 3158548560 | 33486060 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of primary appraisal delivery to the borrower was not located in the file. | Reviewer Comment (2025-05-22): email confirming appraisal received Buyer Comment (2025-05-22): Do not concur - POR in file - please review document uploaded |
05/22/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | B | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395579 | 3158548560 | 33486062 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-20): Sufficient Cure Provided At Closing |
05/20/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | A | B | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395579 | 3158548560 | 33486101 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Preliminary in file. | Reviewer Comment (2025-05-22): final title policy received Buyer Comment (2025-05-22): Please review Title policy attached. |
05/22/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | B | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395581 | 3158548563 | 33491662 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-20): Sufficient Cure Provided At Closing |
05/20/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395582 | 3158548566 | 33480756 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2025-05-19): Sufficient Cure Provided within 60 Days of Closing |
05/19/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395584 | 3158548568 | 33488119 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | No evidence of borrower receipt of the revised Loan Estimate provided on [Redacted] and the presumed receipt date would not have been at least 4 business days prior to closing. | Reviewer Comment (2025-05-22): Mavent report confirms receipt date Buyer Comment (2025-05-22): Do not concur - Please see screen shot uploaded and page 5 of [Redacted] in file showinng LE issued [Redacted] was received on [Redacted] |
05/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Second Home | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395584 | 3158548568 | 33488121 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2025-05-20): Sufficient Cure Provided At Closing |
05/20/2025 | 1 | A | A | A | A | A | A | A | A | A | A | OR | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395585 | 3158548570 | 33493092 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Copy of Appraisal Report dated [Redacted], missing evidence of receipt. | Reviewer Comment (2025-05-22): appraisal acknowledgement form received Buyer Comment (2025-05-22): Do not concur - POR was in file - please see document uploaded |
05/22/2025 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395586 | 3158548572 | 33495951 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of primary appraisal delivery to the borrower was not located in the file. | Reviewer Comment (2025-05-27): proof of appraisal receipt received Buyer Comment (2025-05-27): Please review POR |
05/27/2025 | 1 | B | A | B | A | B | A | B | A | B | A | KY | Primary | Purchase | C | B | C | B | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395586 | 3158548572 | 33496766 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2025-05-22): signed final 1003 received Buyer Comment (2025-05-22): Do not concur - Final 1003 was in file was time of review - Please see document uploaded |
05/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Purchase | C | B | C | B | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 223395586 | 3158548572 | 33497340 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | SitusAMC | Reviewer Comment (2025-05-21): PDI with inspection date of [Redacted] has been received showing no damage to the subject property. Disaster declaration does not currently have an end date. |
05/21/2025 | 2 | B | B | B | B | B | B | B | B | B | B | KY | Primary | Purchase | C | B | C | B | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395587 | 3158548573 | 33485465 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal did not provide the estimated cost new. Based on hazard insurance coverage of $[Redacted], and no extended coverage, the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2025-05-22): upon further review the HOI coverage is sufficient Buyer Comment (2025-05-22): The other structures included in the appraisal value are the porch, patio and pool. Also, both dwelling and other structures have abbreviation "RC" showing on the policy declarations which is acceptable replacement cost verbiage. Reviewer Comment (2025-05-22): Other Structures coverage is not typically considered acceptable, especially when this property has no separate structures from the main home on the property Buyer Comment (2025-05-22): dDo not concur - The policy has an addiitonal $[Redacted] for other structures |
05/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395587 | 3158548573 | 33485471 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Reviewer Comment (2025-05-22): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-22): Do not concur - Please see disclosure tracking that was in file with correct application date of [Redacted] |
05/22/2025 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395587 | 3158548573 | 33485472 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Reviewer Comment (2025-05-22): Evidence of when the LE was required to be created and delivered has been received. |
05/22/2025 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395587 | 3158548573 | 33485473 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. The property was not identified [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-22): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-22): Do not concur - Please see disclosure tracking that was in file with correct application date of [Redacted] |
05/22/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395588 | 3158548574 | 33486021 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2025-05-23): appraisal notice form received Buyer Comment (2025-05-23): Do not concur - proof of receipt was in file - please see upload |
05/23/2025 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Second Home | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395589 | 3158548575 | 33488902 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2025-05-27): title policy received Buyer Comment (2025-05-27): Please review Final title policy |
05/27/2025 | 1 | B | A | B | A | B | A | B | A | B | A | FL | Second Home | Refinance - Rate/Term | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 223395591 | 3158548578 | 33490894 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Missing verification of employment obtained no less than 10 calendar days prior to Note date. | Reviewer Comment (2025-05-23): paystub for VVOE received Buyer Comment (2025-05-23): Do not concur - paystub in file within 15 days of closing used in lieu of VOE - see attached |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395591 | 3158548578 | 33492312 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing verification of employment obtained no less than 10 calendar days prior to Note date. (Primary Borrower) | Reviewer Comment (2025-05-23): paystub for VVOE received Buyer Comment (2025-05-23): Do not concur - paystub in file within 15 days of closing used in lieu of VOE - see upload |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395591 | 3158548578 | 33492317 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing verification of employment obtained no less than 10 calendar days prior to Note date. | Reviewer Comment (2025-05-23): paystub for VVOE received Buyer Comment (2025-05-23): Do not concur - paystub in file within 15 days of closing used in lieu of VOE - see upload |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395591 | 3158548578 | 33492323 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing verification of employment obtained no less than 10 calendar days prior to Note date (Primary Borrower), resulting in a loan designation discrepancy. | Reviewer Comment (2025-05-23): paystub for VVOE received Buyer Comment (2025-05-23): Do not concur - paystub in file within 15 days of closing used in lieu of VOE - see upload |
05/23/2025 | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395591 | 3158548578 | 33492324 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing verification of employment obtained no less than 10 calendar days prior to Note date (Primary Borrower). | Reviewer Comment (2025-05-23): paystub for VVOE received Buyer Comment (2025-05-23): Do not concur - paystub in file within 15 days of closing used in lieu of VOE - see upload |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395591 | 3158548578 | 33492328 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing verification of employment obtained no less than 10 calendar days prior to Note date (Primary Borrower). | Reviewer Comment (2025-05-23): paystub for VVOE received Buyer Comment (2025-05-23): Do not concur - paystub in file within 15 days of closing used in lieu of VOE - see upload |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395596 | 3158548586 | 33489794 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Copy of Appraisal Report dated [Redacted], missing evidence of receipt. | Reviewer Comment (2025-05-28): proof of appraisal receipt received Buyer Comment (2025-05-28): Do not concur - Located POR that was in file at time of review |
05/28/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Second Home | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395597 | 3158548587 | 33491971 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Waterfall finding related to Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do not concur - Please see FRF that was in file indicatting the application date was [Redacted] |
05/23/2025 | 1 | B | A | B | A | B | A | B | A | B | A | GA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395597 | 3158548587 | 33491972 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Waterfall finding related to Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do not concur - Please see FRF that was in file indicatting the application date was [Redacted] |
05/23/2025 | 1 | B | A | B | A | B | A | B | A | B | A | GA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395597 | 3158548587 | 33491973 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do not concur - Please see FRF that was in file indicatting the application date was [Redacted] |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395599 | 3158548592 | 33485437 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. | Reviewer Comment (2025-05-23): appraisal acknowledgement received Buyer Comment (2025-05-23): Do not concur - POR was in file at timeof review - please see attached |
05/23/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395599 | 3158548592 | 33485438 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit disclosed as -$[Redacted] on the Loan Estimate dated [Redacted] but disclosed as -$[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for credit decrease. The cure provided at closing ($[Redacted]) is insufficient to address all tolerance violations. | Reviewer Comment (2025-05-27): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2025-05-23): Do not concur - Please see refund docs - Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD that was in file at time of review |
05/27/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395599 | 3158548592 | 33485526 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of actual receipt date of initial Closing Disclosure, issued on [Redacted], is not provided. Default receipt date is [Redacted], which is less than 3 business days prior to the closing date ([Redacted]). | Reviewer Comment (2025-05-23): proof of initial CD receipt by borrower on [Redacted] received Buyer Comment (2025-05-23): Do not concur - Please review ICD POR Buyer Comment (2025-05-23): Do not concur - POR wa sin file at time of review - please see upload |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395599 | 3158548592 | 33516636 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2025-05-27): Sufficient Cure Provided within 60 Days of Closing |
05/27/2025 | 1 | A | A | A | A | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||||
| 223395600 | 3158548596 | 33505680 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-27): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395602 | 3158548599 | 33506442 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee was not previously disclosed to the borrower on the Loan estimate but it appeared on the closing disclosure as $[Redacted] with no cure or valid COC provided to the borrower. | Reviewer Comment (2025-05-28): [Redacted] received COC dated [Redacted]. Buyer Comment (2025-05-27): Do Not Concur. The appraiser indicated that appraisal is subject to completion, [Redacted] received the appraisal [Redacted], pls see CIC and system notes, LE with final inspection fee issued timely. |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395602 | 3158548599 | 33513113 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the DTI ratio moderately exceeding the guideline maximum of 43.00%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-26): Universal Product Exception Form in file, exception approved with comp factors. |
05/26/2025 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395602 | 3158548599 | 33513136 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exceptions of the DTI Ratio. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-26): Universal Product Exception Form in file, exception approved with comp factors. |
05/26/2025 | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395603 | 3158548600 | 33508080 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall finding due to Initial Loan Estimate was used to verify Appraisal Disclosure date which was more than three (3) business days after the application date of [Redacted]. | Reviewer Comment (2025-05-28): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-28): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the [Redacted] piece of TRID data) was received after the customer found the home they intended to purchase, the appraisal disclosure was issued timely. |
05/28/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395603 | 3158548600 | 33508081 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Documentation in file indicates appraisal was sent on [Redacted]; however, there is no evidence of receipt and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2025-05-28): proof of e delivery of appraisal has been received Buyer Comment (2025-05-28): Do Not Concur. The appraisal was received electronically om [Redacted] and closing was on [Redacted]. |
05/28/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395603 | 3158548600 | 33508099 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure provided in the file dated [Redacted] was not signed and dated by the borrower to evidence receipt and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2025-05-28): proof of CD receipt by borrower has been received Buyer Comment (2025-05-28): Do Not Concur. The CD issued on [Redacted] was also viewed electronically on [Redacted], pls see system screen snip. |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395603 | 3158548600 | 33508135 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credit changed to $[Redacted] on the Closure Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2025-05-28): [Redacted] received a valid COC. Buyer Comment (2025-05-28): Do Not Concur. Lender Credit was premium pricing and this changed when loan amount changed and pricing changed. Please see system lock info and CICs for loan amount changes |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395603 | 3158548600 | 33508136 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than three (3) business days after the application date of [Redacted]. | Reviewer Comment (2025-05-28): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-28): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395603 | 3158548600 | 33508163 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Loan Discount Points fee changed to $[Redacted] on the Closure Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2025-05-28): [Redacted] received a valid COC. Buyer Comment (2025-05-28): Do Not Concur. Loan amount changed and pricing changed. Please see system lock info and CICs for Loan Amount changes and Discount Points change |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395604 | 3158548602 | 33505310 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing reliable third-party employment verification for the self-employment income used to qualify, resulting in a loan designation discrepancy. | Reviewer Comment (2025-06-02): income and employment from this position is not required or utilized to approve the loan, loan still qualifies. |
06/02/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395604 | 3158548602 | 33505311 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Waterfall finding due to missing reliable third-party employment verification for the self-employment income used to qualify | Reviewer Comment (2025-06-02): income and employment from this position is not required or utilized to approve the loan, loan still qualifies. |
06/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395604 | 3158548602 | 33505314 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than three (3) business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-27): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395604 | 3158548602 | 33505316 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-22): Sufficient Cure Provided At Closing |
05/22/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395604 | 3158548602 | 33512624 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing reliable third-party employment verification for the self-employment income used to qualify | Reviewer Comment (2025-06-02): income and employment from this position is not required or utilized to approve the loan, loan still qualifies. |
06/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395604 | 3158548602 | 33512629 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing reliable third-party employment verification for the self-employment income used to qualify | Reviewer Comment (2025-06-02): income and employment from this position is not required or utilized to approve the loan, loan still qualifies. Buyer Comment (2025-06-02): No voe needed income not needed |
06/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395604 | 3158548602 | 33512759 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing reliable third-party employment verification for the self-employment income used to qualify | Reviewer Comment (2025-06-02): income and employment from this position is not required or utilized to approve the loan, loan still qualifies. Buyer Comment (2025-06-02): waterfall |
06/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395604 | 3158548602 | 33512799 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing reliable third-party employment verification for the self-employment income used to qualify | Reviewer Comment (2025-06-02): income and employment from this position is not required or utilized to approve the loan, loan still qualifies. Buyer Comment (2025-06-02): This job is not used in the ratios |
06/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395605 | 3158548603 | 33505877 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Appraisal fee was previously disclosed to the borrower on the Loan estimate as $[Redacted] but it increased on the closing disclosure as $[Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2025-05-28): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2025-05-27): Do Not Concur. Cure of $[Redacted] is for the Appraisal Fee increase from $[Redacted] to $[Redacted], Final Inspection has a valid CIC and did not need to also be cured. |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395605 | 3158548603 | 33505878 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee was not previously disclosed to the borrower on the Loan estimate but it appeared on the closing disclosure as $[Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2025-05-28): [Redacted] received COC dated [Redacted]. Buyer Comment (2025-05-27): Do Not Concur. A final inspection was needed due to repairs. Please see system notes and CIC, LE issued timely with Final Inspection Fee |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395605 | 3158548603 | 33513297 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | Universal Product Exception Form in file for lender exceptions for the amount of cashout. Exception approved, with comp factors. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-23): Exception approved, with comp factors. |
05/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395605 | 3158548603 | 33513304 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exceptions of vesting in an LLC. Exception approved, with comp factors. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-23): Exception approved, with comp factors. |
05/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395605 | 3158548603 | 33526620 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-28): Sufficient Cure Provided At Closing |
05/28/2025 | 1 | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 223395606 | 3158548608 | 33515599 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception of DTI exceeding guideline. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-28): Universal Product Exception Form in file, exception approved with comp factors. |
05/28/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395606 | 3158548608 | 33515600 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-23): Sufficient Cure Provided At Closing |
05/23/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395606 | 3158548608 | 33515606 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception of DTI exceeding guideline. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-28): Universal Product Exception Form in file, exception approved with comp factors. |
05/28/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395606 | 3158548608 | 33515615 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-29): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-29): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395606 | 3158548608 | 33527068 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Universal Product Exception Form in file for lender exception of loan amount less than guideline minimum. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-28): Universal Product Exception Form in file, exception approved with comp factors. |
05/28/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395606 | 3158548608 | 33527070 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception of annuitization income calc to allow the use of [Redacted]% of seasoned assets over [Redacted] months. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-28): Universal Product Exception Form in file, exception approved with comp factors. |
05/28/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395607 | 3158548612 | 33505603 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [redacted], which was more than 3 business days after the application date of [redacted]. The property was not identified on [redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-27): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395607 | 3158548612 | 33506179 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee disclosed as $[redacted] on the initial Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2025-06-02): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2025-05-30): Please see attached PCCD, refund, and proof of shipping |
06/02/2025 | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395607 | 3158548612 | 33506220 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit disclosed as -$[redacted] on the initial Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for credit decrease and no evidence of tolerance cure provided. | Reviewer Comment (2025-05-27): [Redacted] Received Valid COC dated [Redacted]. Buyer Comment (2025-05-27): Do not Concur. Initial loan lock didnt occurr until [Redacted]. Premium pricing can change throught the loan process |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395608 | 3158548613 | 33502417 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395608 | 3158548613 | 33505179 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Universal Product Exception Form in file for lender exception of thin credit file. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-22): Exception approved, with comp factors. |
05/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395609 | 3158548614 | 33497521 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Missing inspection required by appraiser. The appraisal noted the purchase contract included a provision for a live wire in the basement to be capped off. The appraiser is requiring an inspection from an electrician to resolve this issue. | Reviewer Comment (2025-05-28): work order and invoice confirming electrical work completed has been received Buyer Comment (2025-05-28): see attached work order/invoice from [Redacted] to confirm that the live wire was removed |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395609 | 3158548614 | 33501601 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395610 | 3158548617 | 33504563 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than three (3) business days after the application date of [Redacted]. | Reviewer Comment (2025-05-28): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-28): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395611 | 3158548619 | 33495184 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395611 | 3158548619 | 33495185 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. | Reviewer Comment (2025-05-27): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2025-05-23): Do not Concur. Section E tolerance violation is already cured at closing |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395611 | 3158548619 | 33495186 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is insufficient to address all tolerance violations. | Reviewer Comment (2025-05-27): [Redacted] received COC dated [Redacted]. Buyer Comment (2025-05-23): Do not Concur. Property had complexity. Valid CIC [Redacted] and Lev3 disclosed timley next day |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395611 | 3158548619 | 33516413 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-27): Sufficient Cure Provided At Closing |
05/27/2025 | 1 | A | A | A | A | A | NV | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 223395612 | 3158548620 | 33507016 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Reviewer Comment (2025-05-27): proof of disclosure sent to borrower has been received Buyer Comment (2025-05-27): Do Not Concur. The application achieved date was [Redacted], pls see disclosure dated [Redacted] included within the application package. |
05/27/2025 | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395613 | 3158548623 | 33505867 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted] | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-27): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395613 | 3158548623 | 33505869 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee was not previously disclosed to the borrower on the Loan estimate but it appeared on the closing disclosure as $[Redacted] with no cure provided to the borrower. | Reviewer Comment (2025-05-28): [Redacted] received valid COC dated [Redacted] Buyer Comment (2025-05-27): Do not Concur. [Redacted] received appraisal and invoice same day valid CIC occurred. Per appraisal final inspection is required due to repairs needed. No violation |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395614 | 3158548625 | 33505860 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall condition for Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-27): Attached Buyer Comment (2025-05-27): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/27/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395614 | 3158548625 | 33505862 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted] however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-27): Attached Buyer Comment (2025-05-27): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395615 | 3158548626 | 33502739 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Per the supplemental title report proposed coverage amount is less than the loan amount. The final title policy is not provided for review. | Reviewer Comment (2025-05-27): final title policy received Buyer Comment (2025-05-27): Final Title Policy Provided |
05/27/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395615 | 3158548626 | 33505828 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395617 | 3158548629 | 33504447 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to shortage of reserves, resulting in a loan designation discrepancy. | Reviewer Comment (2025-05-28): based on a re-review of the guidelines provided, there are sufficient assets and reserves verified in the file Buyer Comment (2025-05-28): waterfall TI |
05/28/2025 | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395617 | 3158548629 | 33508635 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee of $[Redacted] POC, total funds to be verified is $,[Redacted]. Additionally, guidelines require 24 months of reserves for this loan ($[Redacted]), and there are only [Redacted] months of reserves verified ($[Redacted]). Loan was approved under Expanded DTI guidelines which require 24 mo. reserves from non-retirement assets; thus, the 401k account ($[Redacted]) is ineligible for use as reserves. | Reviewer Comment (2025-05-28): based on a re-review of the guidelines provided, there are sufficient assets and reserves verified in the file Buyer Comment (2025-05-28): this loan falls under the High Asset Program which I have attached the old guides. The loan meets Core Segment since the reserves just need to meet the High Asset requirements and can be retirement assets. |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395617 | 3158548629 | 33508636 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP SSR in file had a risk score of [Redacted], which does not meet securitization requirements. Collateral Desktop Analysis provided reflects Risk Score: Indeterminate and did not provide a value. | Reviewer Comment (2025-05-29): field review received, which supports the appraised value Buyer Comment (2025-05-29): Please review |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395617 | 3158548629 | 33508655 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to shortage of reserves. | Reviewer Comment (2025-05-28): based on a re-review of the guidelines provided, there are sufficient assets and reserves verified in the file |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395618 | 3158548630 | 33501958 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted] however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | No Defined Cure | C | C | B | B | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | No | ||||||||||
| 223395618 | 3158548630 | 33501980 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | Loan Discount Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2025-05-27): [Redacted] received COC dated [Redacted]. Buyer Comment (2025-05-23): Do Not Concur. Please see CICs for discount point increase LEv4 issued timely. |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | B | B | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes | ||||||||||
| 223395618 | 3158548630 | 33502036 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | $[Redacted] loan amount is below $[Redacted]. Universal Product Exception Form in file for lender exception for loan amount below the minimum (agency). Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted] . Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted] % and $[Redacted] . |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-22): Exception approved, with comp factors. |
05/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Purchase | C | C | B | B | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | No | ||||||||
| 223395618 | 3158548630 | 33502041 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception for PAG decline. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted] . Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted] % and $[Redacted] . |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-22): Exception approved, with comp factors. |
05/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B | MI | Primary | Purchase | C | C | B | B | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | No | |||||||||
| 223395618 | 3158548630 | 33502058 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to QM Points & Fees, resulting in a loan designation discrepancy. | Buyer Comment (2025-06-02): After further review. The APR is [Redacted]% which allows the APOR of [Redacted]%, similar to a tolerance. The undiscounted rate is [Redacted]%.Take the undiscounted rate of [Redacted]% and subtract the APOR of [Redacted]%. That gives us a difference of only [Redacted]%. Meaning it can only exclude [Redacted]% of the loan amount from the QM test, but it excluded [Redacted]%. Reviewer Comment (2025-06-02): If the rate was re-locked at Note rate of [Redacted]% on [Redacted], this corresponds with a [Redacted]% APOR rate for [Redacted] year loans. The spread between undiscounted rate of [Redacted]% and APOR of [Redacted]% is [Redacted]%, which allows only 1 discount point to be excluded. (Exclude up to 1 bona fide discount point if the interest rate before the discount does not exceed the APOR for a comparable transaction by more than 2 percentage points) Buyer Comment (2025-06-02): Do not Concur. Counter offer occurred on [Redacted]. The Counter Offer was to increase the rate to [Redacted]% which would lower points, allowing QM to pass. This matches the Note rate and closing docs. The effective date of that Lock is still[Redacted]. This lines up with the loan then going in to Suspense [Redacted] for fees too high to pass QM, resulting in the [Redacted] Counter Offer. The Lock-In Agreement signed by the borrowers [Redacted] was actually sent [Redacted]. Borrower 1 signed the document [Redacted], but borrower 2 signed it [Redacted] which is why the document signature date reflects [Redacted] (last of the 2 signatures). Reviewer Comment (2025-06-01): While there are rate lock forms in file for locked rates of [Redacted]% and [Redacted]%, the file is missing a rate lock form for when the loan was re-locked at the Note rate of [Redacted]%. Because we are missing this date, a lookback is being run between application date and closing date which uses the lowest APOR rate available in this timeframe. The lowest in this timeframe is [Redacted]%. The spread between undiscounted rate of [Redacted]% and APOR of [Redacted]% is [Redacted]%, which allows only 1 discount point to be excluded. We need evidence of the rate lock date for the re-lock at the note rate of [Redacted]%. Buyer Comment (2025-05-30): Please also see attached price adjustment details Buyer Comment (2025-05-30): Please advise how bona fide amount of $[Redacted] was determined. Loan amount of $[Redacted] Test loan amount of $[Redacted] (amount financed) The maximum amount allowed for exclusion is[Redacted]% of the loan amount ($[Redacted]) which is $[Redacted]. Total Points and fees amount of $[Redacted], excluding the maximum amount of bona fide discount points of $[Redacted], leaves the amount of $[Redacted] included in the test. $[Redacted] is less than [Redacted]% ($[Redacted]) of the test loan amount of $[Redacted]. Reviewer Comment (2025-05-27): based on the undiscounted rate and rate price provided, we are able to determine $[Redacted] of the discount points are bona fide. It appears that the screen shot provided indicates $3,800 was excluded as bona fide. as of now, our testing indicates this loan exceeds the points and fees threshold. Buyer Comment (2025-05-23): Do not Concur. Please see QM docs |
06/02/2025 | 3 | B | B | C | C | B | B | C | C | B | B | MI | Primary | Purchase | Lender to provide updated ATR/QM status | C | C | B | B | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | Yes | ||||||||||
| 223395618 | 3158548630 | 33502059 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of [Redacted] % of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted] %). | Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). The loan file is missing the undiscounted rate and undiscounted rate price (in points) to further test the loan for bona fide points and fees. | Buyer Comment (2025-06-02): After further review. The APR is [Redacted]% which allows the APOR of [Redacted]%, similar to a tolerance. The undiscounted rate is [Redacted]%.Take the undiscounted rate of [Redacted]% and subtract the APOR of [Redacted]%. That gives us a difference of only [Redacted]%. Meaning it can only exclude [Redacted]% of the loan amount from the QM test, but it excluded [Redacted]%. Reviewer Comment (2025-06-02): If the rate was re-locked at Note rate of [Redacted]% on [Redacted], this corresponds with a[Redacted]% APOR rate for [Redacted] year loans. The spread between undiscounted rate of [Redacted]% and APOR of [Redacted]% is [Redacted]%, which allows only 1 discount point to be excluded. (Exclude up to 1 bona fide discount point if the interest rate before the discount does not exceed the APOR for a comparable transaction by more than 2 percentage points) Buyer Comment (2025-06-02): Do not Concur. Counter offer occurred on [Redacted]. The Counter Offer was to increase the rate to [Redacted]% which would lower points, allowing QM to pass. This matches the Note rate and closing docs. The effective date of that Lock is still [Redacted]. This lines up with the loan then going in to Suspense [Redacted] for fees too high to pass QM, resulting in the [Redacted] Counter Offer. The Lock-In Agreement signed by the borrowers [Redacted] was actually sent[Redacted]. Borrower 1 signed the document [Redacted], but borrower 2 signed it [Redacted] which is why the document signature date reflects[Redacted] (last of the 2 signatures). Reviewer Comment (2025-05-27): based on the undiscounted rate and rate price provided, we are able to determine $[Redacted] of the discount points are bona fide. It appears that the screen shot provided indicates $[Redacted] was excluded as bona fide. as of now, our testing indicates this loan exceeds the points and fees threshold. Buyer Comment (2025-05-23): Do not Concur. Please see QM docs |
06/02/2025 | 3 | C | C | C | C | C | C | C | C | C | C | MI | Primary | Purchase | C | C | B | B | C | C | A | A | Safe Harbor QM (APOR) | QM (APOR) Fail | No | |||||||||||
| 223395619 | 3158548633 | 33513362 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing valid verification of employment for co-borrower obtained within 10 business days of Note date. The VVOE form provided lists contact name as '[Redacted]' ([Redacted]), which are [Redacted] employees. | Reviewer Comment (2025-05-27): VOE alternative docs in file |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395619 | 3158548633 | 33513363 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Missing valid verification of employment for co-borrower obtained within 10 business days of Note date. The VVOE form provided lists contact name as '[Redacted]' ([Redacted]), which are [Redacted] employees. | Reviewer Comment (2025-05-27): VOE alternative docs in file Buyer Comment (2025-05-27): Per Procedures VOE completed correctly |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395619 | 3158548633 | 33513366 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing valid verification of employment for co-borrower obtained within 10 business days of Note date. The VVOE form provided lists contact name as '[Redacted]' ([Redacted]), which are [Redacted] employees. | Reviewer Comment (2025-05-27): VOE alternative docs in file Buyer Comment (2025-05-27): Uploaded snippet of VOE procedures |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395619 | 3158548633 | 33513378 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing valid verification of employment for co-borrower obtained within 10 business days of Note date, resulting in a loan designation discrepancy. | Reviewer Comment (2025-05-27): VOE alternative docs in file |
05/27/2025 | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395619 | 3158548633 | 33513379 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing valid verification of employment for co-borrower obtained within 10 business days of Note date. | Reviewer Comment (2025-05-27): VOE alternative docs in file |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395619 | 3158548633 | 33513380 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing valid verification of employment for co-borrower obtained within 10 business days of Note date. | Reviewer Comment (2025-05-27): VOE alternative docs in file Buyer Comment (2025-05-27): VOE completed according to procedures |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395620 | 3158548634 | 33499108 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395620 | 3158548634 | 33499138 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credit fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2025-05-27): [Redacted] received COC dated [Redacted] for rate lock. Buyer Comment (2025-05-23): Do Not Concur. Please see CICs for initial lock and rate change, LE issued timely with changes. |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395620 | 3158548634 | 33504504 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Universal Product Exception Form in file, exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-22): Universal Product Exception Form in file, exception approved with comp factors. |
05/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395621 | 3158548636 | 33505607 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match the information on page four of the Final CD. | Reviewer Comment (2025-05-27): upon further review, the final signed CD and the IEADS disclosure match Buyer Comment (2025-05-27): Do Not Concur. Please provide more detail because the initial escrow statement pulled does match the escrow payment on the signed CD, pls see uploaded docs. |
05/27/2025 | 1 | B | A | B | A | B | A | B | A | B | A | UT | Primary | Refinance - Cash-out - Other | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395622 | 3158548639 | 33506842 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing valid third party verification of self-employment for income used to qualify, resulting in a loan designation discrepancy. | Reviewer Comment (2025-05-27): verification of employment docs received |
05/27/2025 | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395622 | 3158548639 | 33506843 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Waterfall finding due to missing valid third party verification of self-employment for income used to qualify. | Reviewer Comment (2025-05-27): verification of employment docs received |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395622 | 3158548639 | 33514114 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | Universal Product Exception Form in file for lender exception of total cash-out exceeding guideline maximum. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-23): Exception approved, with comp factors. |
05/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395622 | 3158548639 | 33514140 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing valid third party verification of self-employment for income used to qualify. | Reviewer Comment (2025-05-27): verification of employment docs received Buyer Comment (2025-05-27): Third Party Verification provided |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395622 | 3158548639 | 33514141 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing valid third party verification of self-employment for income used to qualify. | Reviewer Comment (2025-05-27): verification of employment docs received Buyer Comment (2025-05-27): Verification Provided |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395622 | 3158548639 | 33514147 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing valid third party verification of self-employment for income used to qualify. | Reviewer Comment (2025-05-27): verification of employment docs received |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395622 | 3158548639 | 33514148 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing valid third party verification of self-employment for income used to qualify. | Reviewer Comment (2025-05-27): verification of employment docs received |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395625 | 3158548642 | 33506579 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395625 | 3158548642 | 33506581 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. | Reviewer Comment (2025-05-27): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. Buyer Comment (2025-05-23): Do not Concur. Section E tolerance violation is already cured at closing |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395625 | 3158548642 | 33506582 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Transfer Taxes disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is insufficient to address all tolerance violations. | Reviewer Comment (2025-05-27): [Redacted] received system snip with additional information for valid Changed circumstance. Buyer Comment (2025-05-23): Do not Concur. Valid CIC for purchase price [Redacted]. ELv5 disclosed timely same day |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395625 | 3158548642 | 33516700 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-27): Sufficient Cure Provided At Closing |
05/27/2025 | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 223395626 | 3158548644 | 33494939 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | The file is missing a copy of the E-Sign Consent Agreement. | Reviewer Comment (2025-05-23): e-consent form received Buyer Comment (2025-05-23): E-Consent provided electronically |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395626 | 3158548644 | 33494972 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits changed to $-[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2025-05-27): [Redacted] received COC dated [Redacted]. Buyer Comment (2025-05-23): Do not Concur. Loan closed with -$[Redacted] lender credits (prem pricing). Valid CICs for property type and appraised value [Redacted] occurred and LEv4 discloed timely next day. |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395626 | 3158548644 | 33494973 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than three (3) business days after the application date of [Redacted]. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395627 | 3158548646 | 33501525 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Fee changed to $[redacted] on the CD dated [redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2025-05-27): [Redacted] Received Valid COC dated [Redacted]. Buyer Comment (2025-05-23): Do not Concur. Valid CICs for interest rate and loan points occurred [Redacted]. CDv3 disclosed timley [Redacted] |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395627 | 3158548646 | 33501549 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Disclosed Finance Charge is $[redacted]. Due Diligence Finance Charge is $[redacted]. There is a variance of $-[redacted]. | Reviewer Comment (2025-05-30): [Redacted] received lender attestation of services provided for title-processing fee which would include 4c7 services and excluded from finance charge. Buyer Comment (2025-05-29): [Redacted] included the post closing fee and the title processing fee as prepaids in the calculations. Please see email from title. These fees should not be included as prepaid fees. |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395627 | 3158548646 | 33501558 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Disclosed Amount Financed is $[redacted]. Due Diligence Amount Financed is $[redacted]. There is a variance of $[redacted]. | Reviewer Comment (2025-05-30): [Redacted] received lender attestation of services provided for title-processing fee which would include 4c7 services and excluded from finance charge. Buyer Comment (2025-05-29): [Redacted] included the post closing fee and the title processing fee as prepaids in the calculations. Please see email from title. These fees should not be included as prepaid fees. |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395628 | 3158548649 | 33497730 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted] however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395628 | 3158548649 | 33497757 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender income calculation exception approved to allow the use of RSU income without a 3-year vesting continuance into [Redacted], due to vesting schedule of the awards granted. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
• Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-21): Exception approved, with comp factors. |
05/21/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395629 | 3158548650 | 33502702 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall finding related to Initial Loan Estimate was issued on [redacted] which was more than 3 business days after the application date of [redacted]. The property was not identified [redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/23/2025 | 1 | B | A | B | A | B | A | B | A | B | A | AR | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395629 | 3158548650 | 33502703 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2025-05-27): [Redacted] received COC. Buyer Comment (2025-05-23): Do not Concur. Valid CIC for interest rate [Redacted]. Prem pricing disclosed timely on LEv7 [Redacted] |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395629 | 3158548650 | 33502704 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [redacted] which was more than 3 business days after the application date of [redacted]. The property was not identified [redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AR | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395629 | 3158548650 | 33502705 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | The Recording fee was previously disclosed to the borrower on the Loan estimate as $[redacted] but it increased on the closing disclosure as $[redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2025-05-27): reopen Reviewer Comment (2025-05-27): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2025-05-23): Do not Concur. Section E tolerance violation is already cured at closing |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395629 | 3158548650 | 33502706 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee was not previously disclosed to the borrower on the Loan estimate but it appeared on the closing disclosure as $[redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2025-05-27): [Redacted] received COC. Buyer Comment (2025-05-23): Do not Concur. Valid CIC occured when [Redacted] recieved the appraisal. Final inspection required on New construction. LEv3 disclosed timely next day. |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395629 | 3158548650 | 33502707 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | The Transfer Tax was previously disclosed to the borrower on the Loan estimate as $[redacted] but it increased on the closing disclosure as $[redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2025-05-30): [Redacted] received additional details for receipt of purchase contract. Buyer Comment (2025-05-29): Do not Concur. The subject property is located in [Redacted] where Transfer Taxes are customarily paid by the Seller unless agreed otherwise and stated in the Sales Contract. The state of [Redacted] levies a Transfer Tax of $[Redacted] per $[Redacted], or [Redacted]% of the Purchase Price. Initial LE dated [Redacted] with Purchase Price of $[Redacted] disclosed Buyer Paid Transfer Taxes of $[Redacted]. approximately half of the full amount of Transfer Taxes on this Purchase Price. Sales Contract was received the following day, [Redacted], stating Borrower to pay all Closing Costs on Page 32 - III. Finance Condition:a. The addm received that same day shows the Purchase Price of $[Redacted]. The Purchase contracted received CIC fired [Redacted]. A revised LE was provided to the borrower [Redacted] to show the increased amount for Transfer Tax amount of $[Redacted] being the full responsibility of the Buyer based on the purchase contract received [Redacted]. This should establish updated baseline of $[Redacted]. Reviewer Comment (2025-05-28): [Redacted] received LOS snip, however the reason provided for increase is not valid as it only states the fee is split into two. Please provide valid reason for increase of transfer tax or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2025-05-27): Do not Concur. State Tax stamps from [Redacted] County is $[Redacted]. Total per sales price [Redacted] split equally between buyer and seller. See attached comments to go with the valid CIC sent previously. Reviewer Comment (2025-05-27): [Redacted] received rebuttal comment and COC snip for receipt of purchase contract on [Redacted]. However, as per contract and final CD the transfer taxes were split 50/50 between buyer and seller. The buyers portion was disclosed on initial LE was $[Redacted] but on CD dated [Redacted] the buyer paid tax is $[Redacted] there is an increase of $[Redacted]. Please provide a valid COC for increase or cure will be required. Buyer Comment (2025-05-23): Do not Concur. Valid CIC for receipt and upload of purchase contract reflecting amount of taxes. Also the customer and seller ended up going 50/50 at closing. LEv2 disclosed timely same day of CIC. |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395629 | 3158548650 | 33540510 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-30): Sufficient Cure Provided At Closing |
05/30/2025 | 1 | A | A | A | A | A | AR | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 223395630 | 3158548651 | 33497445 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395630 | 3158548651 | 33497456 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Loan Discount fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2025-05-27): [Redacted] received system snip with additional information for a valid Changed circumstance. Buyer Comment (2025-05-23): Do Not Concur. Please see CICs for increase in discount points. |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395631 | 3158548653 | 33503036 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall finding related to Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. The property was not identified [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/23/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395631 | 3158548653 | 33503037 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted]. Homeownership council doc sent in app package. |
05/23/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395631 | 3158548653 | 33503038 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. The property was not identified [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395632 | 3158548655 | 33509791 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-27): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395633 | 3158548657 | 33504078 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted] Insufficient or no cure was provided to the borrower. | The Lender Credit changed to $-[Redacted] on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2025-06-02): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2025-05-30): Do not Concur. Valid CIC for interest rate occurred [Redacted] which allowed premium pricing to change to $[Redacted]. Cdv3 disclosed timely [Redacted]. Note: Customer received $[Redacted] in a cure. AMC is trying to combined both. No cure due back Reviewer Comment (2025-05-28): [Redacted] received COC dated [Redacted], however interest rate was [Redacted]% on all LE dated [Redacted]. And also, the lender credit change was not proportionate to the loan amount change. Though an LTV may change, the information did not state that there was a pricing/product/program change. Please provide additional sufficient information or cure is required. Buyer Comment (2025-05-27): Do Not Concur. Pls see CICs for loan amount and interest rate changes that caused the premium pricing (Lender Credit) to decrease, LE issued timely. |
06/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395633 | 3158548657 | 33504080 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | The Second Appraisal fee $[Redacted] was added on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2025-05-28): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2025-05-27): Do Not Concur. The lender cure of $[Redacted] is sufficient to cure the second appraisal fee because the lender credit decrease also citied was a valid change with CICs and timely disclosure. |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395633 | 3158548657 | 33504082 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than three (3) business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-27): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | No Defined Cure | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395633 | 3158548657 | 33506863 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to Universal Product Exception Form in file for lender exception of DTI exceeding guideline maximum DTI of [Redacted]%, resulting in a loan designation discrepancy. | Reviewer Comment (2025-05-23): Loan is SHQM (APOR). |
05/23/2025 | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395633 | 3158548657 | 33506868 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Waterfall finding due to Universal Product Exception Form in file for lender exception of DTI exceeding guideline maximum DTI of [Redacted]% | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted] . Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted] % and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-23): Universal Product Exception Form in file, exception approved with comp factors. |
05/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395633 | 3158548657 | 33514107 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted] % significantly exceeds the guideline maximum of [Redacted] %. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Universal Product Exception Form in file for lender exception of DTI exceeding guideline maximum DTI of [Redacted]%. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted] . Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted] % and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-23): Universal Product Exception Form in file, exception approved with comp factors. |
05/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395635 | 3158548660 | 33504128 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted] . Insufficient or no cure was provided to the borrower. | Lender Credits was last disclosed as $-[Redacted] on LE but disclosed as $-[Redacted] on Final Closing Disclosure. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2025-06-02): PCCD, refund check, LOX, and proof of mailing has been received Buyer Comment (2025-06-02): Please see attached PCCD, refund, and proof of shipping Reviewer Comment (2025-05-29): [Redacted] received rebuttal, however COC is not acceptable after closing and cure is required as lender credit decreased on PCCD. Please provide cure documents which consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2025-05-28): Do not Concur. Expiration change and valid CIC occurred [Redacted]. Cd disclosed timely. Please see comments. Expiration occurred due to customer delay. Reviewer Comment (2025-05-27): [Redacted] Specific lender credit for Processing fee has been removed on PCCD dated [Redacted] and fees shown as paid by borrower which reduced the lender credit and cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2025-05-23): Do not Concur. Expiration change and pricing change occurred [Redacted]. This allowed premium pricing to change and disclose timely on CDv[Redacted] |
06/02/2025 | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395635 | 3158548660 | 33504129 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. The property was not identified [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395635 | 3158548660 | 33504131 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording fee was previously disclosed to the borrower on the Loan estimate as $[Redacted] but it increased on the closing disclosure as $[Redacted].A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2025-05-27): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2025-05-23): Do not Concur. Section E tolerance violation is already cured at closing |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395636 | 3158548661 | 33497082 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall condition for Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/23/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395636 | 3158548661 | 33497083 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2025-05-27): [Redacted] received a valid COC. Buyer Comment (2025-05-23): Do not Concur. Valid CICs for initial loan lock, interest rate, and loan points [Redacted]. CDv2 disclosed timely [Redacted] |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395636 | 3158548661 | 33497416 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395637 | 3158548663 | 33503076 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395638 | 3158548666 | 33502044 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall finding due to Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted] | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/23/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395638 | 3158548666 | 33502045 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2025-05-23): proof of disclosure delivery received Buyer Comment (2025-05-23): Do not Concur. HomeOwnership Counseling was sent in app package |
05/23/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395638 | 3158548666 | 33502048 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted] | Reviewer Comment (2025-05-23): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395638 | 3158548666 | 33502069 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | The file was missing copy of Verification of Non-US Citizen. | Reviewer Comment (2025-05-23): I94 documentation received Buyer Comment (2025-05-23): I94 Provided |
05/23/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395639 | 3158548667 | 33496251 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Universal Product Exception Form in file for lender exception of conforming loan amount. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has verified disposable income of at least $[Redacted] . Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $[Redacted] . The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted] %. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted] %. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-21): Exception approved, with comp factors. |
05/21/2025 | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395639 | 3158548667 | 33496308 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit disclosed as -$[Redacted] on the initial Loan Estimate but disclosed as -$[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for credit decrease and no evidence of tolerance cure provided. | Reviewer Comment (2025-05-27): [Redacted] received COC dated [Redacted]. Buyer Comment (2025-05-27): Do Not Concur. Please see CICs for affordable credit change which cause a decrease in lender credits |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395639 | 3158548667 | 33496311 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee was disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2025-06-02): valid COC and timing information has been received Buyer Comment (2025-06-02): Please see Sales Contract imaged date with Loan Number included to show that it goes with this property / loan. Reviewer Comment (2025-06-02): [Redacted] received snip. However,we are unable to verify whether the snip belongs to the property. Kindly provide proper supporting document for the receipt date of purchase contract. Buyer Comment (2025-05-30): Please see attached when Sales contract was received/imaged Reviewer Comment (2025-05-28): [Redacted] received COC for increase in transfer tax due to receipt of purchase contract on [Redacted] but from purchase contract we are unable to confirm the receipt date. Please provide more information like LOS snip, email conversation or conversation log to verify the receipt of contract on [Redacted]. Buyer Comment (2025-05-27): Do Not Concur. Please see CIC for uploading of purchase contract, LE with updated transfer tax amount issued timely. |
06/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395640 | 3158548668 | 33503843 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall condition for Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-27): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/27/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395640 | 3158548668 | 33503852 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. The property was not identified [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-27): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395641 | 3158548669 | 33503494 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | The final Closing Disclosure was unsigned. The latest signature date on a CD is [Redacted]. Please provide a copy of the signed Final CD. | Reviewer Comment (2025-05-27): proof of CD receipt and signature by borrower has been received Buyer Comment (2025-05-27): Pls also see system note regarding closing documents being E-signed Buyer Comment (2025-05-27): Do Not Concur. Please see closing disclosure electronically signed |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395641 | 3158548669 | 33506567 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception of DTI exceeding guideline. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted]. Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-22): Exception approved, with comp factors. |
05/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395641 | 3158548669 | 33506571 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Universal Product Exception Form in file for lender exception of insufficient trade lines (C1 only). Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted]. Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-22): Exception approved, with comp factors. |
05/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395641 | 3158548669 | 33506589 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Universal Product Exception Form in file for lender exception of DTI exceeding guideline. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted]. Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-22): Exception approved, with comp factors. |
05/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395642 | 3158548672 | 33504878 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2025-05-28): [Redacted] received COC dated [Redacted]. Buyer Comment (2025-05-27): Do not Concur. Initial Loan lock occurred [Redacted]. Loan points and or premium pricing can change through out the loan process until the initial loan lock occurs |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395642 | 3158548672 | 33504880 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Loan Discount Points was not previously disclosed to the borrower on the Loan estimate but it appeared on the closing disclosure as $[Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2025-05-28): [Redacted] received COC dated [Redacted]. Buyer Comment (2025-05-27): Do not Concur. Initial Loan lock occurred [Redacted] |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395643 | 3158548673 | 33494085 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than three (3) business days after the application date of [Redacted]. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-27): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395643 | 3158548673 | 33501334 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-21): Sufficient Cure Provided At Closing |
05/21/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395644 | 3158548675 | 33515023 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Escalation Form in file for lender exception of DTI exceeding guideline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-28): Exception approved, with comp factors. |
05/28/2025 | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395644 | 3158548675 | 33515025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee disclosed as $[redacted] on the initial Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase(s). The cure provided at closing ($[redacted]) is insufficient to address the tolerance violation. | Reviewer Comment (2025-05-30): [Redacted] received COC dated [Redacted] for POA. Buyer Comment (2025-05-29): Do not Concur. Valid CIC for POA being added occured on [Redacted] that allowed the recording fee section E baseline to increase to $[Redacted]. The customer was already cured $[Redacted] at closing for the baseline increasing after this. No cure due back |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395644 | 3158548675 | 33515053 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exception of DTI exceeding guideline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-28): Exception approved, with comp factors. |
05/28/2025 | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395645 | 3158548676 | 33515534 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall finding related to Initial Loan Estimate was issued on [redacted], which was more than three (3) business days after the application date of [redacted]. | Reviewer Comment (2025-05-29): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-29): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the appraisal disclosure was issued timely. |
05/29/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395645 | 3158548676 | 33515539 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [redacted], which was more than three (3) business days after the application date of [redacted]. | Reviewer Comment (2025-05-29): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-29): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395645 | 3158548676 | 33515541 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-23): Sufficient Cure Provided At Closing |
05/23/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395645 | 3158548676 | 33515545 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exception of lender DTI significantly exceeding the guideline maximum of [redacted]%. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-28): Exception approved, with comp factors. |
05/28/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395645 | 3158548676 | 33527048 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Escalation Form in file for lender exception of lender DTI significantly exceeding the guideline maximum of [redacted]%. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-28): Exception approved, with comp factors. |
05/28/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395646 | 3158548677 | 33502114 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Escalation Form in file for lender exception of PAG decline due to insufficient insurance. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-22): Exception approved, with comp factors. |
05/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Second Home | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395647 | 3158548678 | 33501267 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall condition for Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. |
05/27/2025 | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395647 | 3158548678 | 33501268 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-27): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395648 | 3158548679 | 33506499 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. The property was not identified [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-27): Do Not Concur. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | DE | Second Home | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395648 | 3158548679 | 33506549 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception given for Occupancy. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-23): Universal Product Exception Form in file, exception approved with comp factors. |
05/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B | DE | Second Home | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395649 | 3158548680 | 33512660 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure dated [Redacted] was not provided to Borrower(s) at least three (3) business days prior to closing date of [Redacted]. | Reviewer Comment (2025-05-28): proof of e delivery of initial CD received Buyer Comment (2025-05-28): Do not Concur. Initial CD sent via DocMagic [Redacted] |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395649 | 3158548680 | 33512661 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than three (3) business days after the application date of [Redacted]. | Reviewer Comment (2025-05-28): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-28): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395649 | 3158548680 | 33512662 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Survey fee of $525.00 was added on the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve tolerance violation. | Reviewer Comment (2025-06-04): attestation from client received explaining the survey fee process Buyer Comment (2025-06-04): Please see attached Attestation Reviewer Comment (2025-06-02): [Redacted] received rebuttal.However,we would require an attestation or comment on exception from the [Redacted] is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2025-05-30): [Redacted] is not a state that requires the survey fee upfront. The fee is correct curing it at [Redacted]% at closing. Please confirm that an attestation letter from [Redacted] will be sufficient due to the survey fee was required by title/attorney. Reviewer Comment (2025-05-29): [Redacted] the cure provided at closing is $[Redacted] however the total cure require for survey fee is $[Redacted]. Kindly provide a additional cure of $[Redacted] in order to cure the exception. The cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2025-05-28): Do not Concur. Survey fee already cured at closing. The survey fee was correctly held to [Redacted]% tolerance due to no provider is listed on the WLOP. A survey fee will never be held to zero % tolerance. |
06/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395652 | 3158548684 | 33504016 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. The property was identified [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-27): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395653 | 3158548685 | 33501513 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing copy of Tax Verification | Reviewer Comment (2025-05-27): REO documentation received Buyer Comment (2025-05-27): property is a co op taxes are included in the maintenance fees |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395653 | 3158548685 | 33504498 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exceptions of Prod/Program Restrictions. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-22): Exception approved, with comp factors. |
05/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CT | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395654 | 3158548687 | 33505257 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP SSR in file had a risk score of [Redacted], which does not meet securitization requirements. The [Redacted] UCDP results indicated the property was eligible for Collateral R&W Relief; however, no LCA score was provided. If this report is more than 1 page, the additional page(s) are missing that might contain the score. | Reviewer Comment (2025-05-27): acceptable LCA score received Buyer Comment (2025-05-27): See attached , all pages with score under [Redacted] to satisfy the exception. Thanks |
05/27/2025 | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395654 | 3158548687 | 33505833 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-27): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | No Defined Cure | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395655 | 3158548688 | 33495970 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-21): Sufficient Cure Provided At Closing |
05/21/2025 | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395655 | 3158548688 | 33495997 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall finding related to Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. The property was not identified [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-27): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/27/2025 | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395655 | 3158548688 | 33495998 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. The property was not identified [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-27): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-27): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/27/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395656 | 3158548690 | 33512626 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall condition for Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. | Reviewer Comment (2025-05-28): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-28): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/28/2025 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395656 | 3158548690 | 33512627 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. The property was not identified [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-28): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-28): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395657 | 3158548692 | 33507062 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exceptions of Tradelines/Thin File. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted]. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-23): Exception approved, with comp factors. |
05/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395658 | 3158548693 | 33511047 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than three (3) business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-28): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-28): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395660 | 3158548695 | 33512263 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | The Recording fee was previously disclosed to the borrower on the Loan estimate as $[Redacted] but it increased on the closing disclosure as $[Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2025-05-30): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. Buyer Comment (2025-05-29): Do not Concur. Section E tolerance violation already cured at closing |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395660 | 3158548695 | 33512264 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | The Survey fee was not previously disclosed to the borrower on the Loan estimate but it appeared on the closing disclosure as $[Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2025-06-04): attestation from the client explaining the survey fee has been received Buyer Comment (2025-06-04): Please see attached Attestation Reviewer Comment (2025-06-02): [Redacted] received rebuttal. However, we would require an attestation or comment on exception from the [Redacted] is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2025-05-30): Is [Redacted] considering [Redacted] the seller? Please confirm that an attestation letter from [Redacted] will be sufficient due to the survey fee was required by title/attorney. Reviewer Comment (2025-05-30): [Redacted] received system snip fro the Survey inspection required. But [Redacted] unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2025-05-29): Do not concur. Per comments from attorney the survey is required and at buyers cost. Valid CIC occurred [Redacted] and CDv2 disclosed timely. |
06/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395660 | 3158548695 | 33520771 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Universal Escalation Form in file for lender exceptions of DTI Ratio significantly exceeding the guideline maximum of [Redacted]%. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-28): Exception approved, with comp factors. |
05/28/2025 | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395660 | 3158548695 | 33520776 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exceptions of DTI Ratio significantly exceeding the guideline maximum of [Redacted]%. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-28): Exception approved, with comp factors. |
05/28/2025 | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395660 | 3158548695 | 33575664 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-06-04): Sufficient Cure Provided At Closing |
06/04/2025 | 1 | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 223395661 | 3158548696 | 33493850 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase(s). The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. | Reviewer Comment (2025-05-28): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2025-05-28): Do Not Concur. The other exceptions citied had valid reasons for loan changes, the cure of $[Redacted] is sufficient to cure the increase to the recording fees. |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395661 | 3158548696 | 33493851 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee. The cure provided at closing ($[Redacted]) is insufficient to address all tolerance violations. | Reviewer Comment (2025-05-28): [Redacted] received a valid COC. Buyer Comment (2025-05-28): Do Not Concur. The loan was not locked, the discount points increased and pricing can change before the loan locks. The CD disclosed timely after the loan locked |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395661 | 3158548696 | 33497059 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to failure of QM Points & Fees testing, resulting in a loan designation discrepancy. | Reviewer Comment (2025-05-28): undiscounted interest rate and price received Buyer Comment (2025-05-28): Do Not Concur. Please see Reg Testing documentation. |
05/28/2025 | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395661 | 3158548696 | 33497060 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] (an overage of $[Redacted] or .[Redacted]%). | QM Points and Fees ($[Redacted]) exceeds threshold ($[Redacted]) by $[Redacted]. Missing price for undiscounted rate, thus, unable to determine whether there are bona fide discount points that may be excluded. | Reviewer Comment (2025-05-28): undiscounted interest rate and price received Buyer Comment (2025-05-28): Do Not Concur. Please see Reg Testing documentation. |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395661 | 3158548696 | 33497061 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit disclosed as -$[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for credit decrease. The cure provided at closing ($[Redacted]) is insufficient to address all tolerance violations. | Reviewer Comment (2025-05-28): [Redacted] received a valid COC. Buyer Comment (2025-05-28): Do Not Concur. The loan was not locked, the lender credit was premium pricing and pricing can change before the loan locks. |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395661 | 3158548696 | 33531997 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-28): Sufficient Cure Provided At Closing |
05/28/2025 | 1 | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||
| 223395662 | 3158548699 | 33514634 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for exception for Product/Program Restrictions (No Cash Out Refinance paying off private 2nd). Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-27): Exception approved, with comp factors. |
05/27/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395663 | 3158548702 | 33509993 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. | Reviewer Comment (2025-06-04): attestation from client regarding Survey Fee has been received Buyer Comment (2025-06-04): Please see attached Attestation Reviewer Comment (2025-06-02): [Redacted] received rebuttal.However,we would require an attestation or comment on exception from the [Redacted] is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2025-05-30): Is [Redacted] considering [Redacted] the seller? Please confirm that an attestation letter from [Redacted] will be sufficient due to the survey fee was required by title/attorney. Reviewer Comment (2025-05-30): [Redacted] received rebuttal comment. However, [Redacted] is unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee, then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2025-05-28): Do not Concur. Valid CIC for required survey [Redacted] and disclosed timely [Redacted]. Survey inspection was required per appraisal and underwriter. |
06/04/2025 | 1 | C | A | C | A | C | A | C | A | C | A | DC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395663 | 3158548702 | 33509994 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-28): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-28): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | DC | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395664 | 3158548705 | 33513310 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-23): Sufficient Cure Provided At Closing |
05/23/2025 | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395665 | 3158548707 | 33505056 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall finding related to the initial Loan Estimate was issued on [Redacted], which is more than 3 business days after the application date ([Redacted]). | Reviewer Comment (2025-05-28): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-28): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/28/2025 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395665 | 3158548707 | 33505057 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | The file is missing the List of Homeowner Counseling Organizations | Reviewer Comment (2025-05-28): proof of disclosure delivery has been received Buyer Comment (2025-05-28): Do not Concur. Home Loan counseling was sent in app package |
05/28/2025 | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395665 | 3158548707 | 33505058 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | The initial Loan Estimate was issued on [Redacted], which is more than 3 business days after the application date ([Redacted]). | Reviewer Comment (2025-05-28): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-28): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395666 | 3158548709 | 33509932 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-23): Sufficient Cure Provided At Closing |
05/23/2025 | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395667 | 3158548710 | 33497934 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-21): Sufficient Cure Provided At Closing |
05/21/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395667 | 3158548710 | 33505599 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception of DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-27): Exception approved, with comp factors. |
05/27/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395667 | 3158548710 | 33505609 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Universal Product Exception Form in file for lender exception of DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-27): Exception approved, with comp factors. |
05/27/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395668 | 3158548711 | 33504892 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing valid third party verification of self-employment for both borrowers. | Reviewer Comment (2025-05-28): VOE documentation received Buyer Comment (2025-05-28): VOE backup documentation provided |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395668 | 3158548711 | 33504893 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing valid third party verification of self-employment. | Reviewer Comment (2025-05-28): VOE documentation received Buyer Comment (2025-05-28): VOE backup documentation provided |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395668 | 3158548711 | 33504897 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing valid third party verification of self-employment. | Reviewer Comment (2025-05-28): VOE documentation received Buyer Comment (2025-05-28): VOE backup documentation provided |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395668 | 3158548711 | 33504898 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing valid third party verification of self-employment for both borrowers, resulting in a loan designation discrepancy. | Reviewer Comment (2025-05-28): VOE documentation received |
05/28/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395668 | 3158548711 | 33504899 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | Waterfall finding due to missing valid third party verification of self-employment for both borrowers. | Reviewer Comment (2025-05-28): VOE documentation received |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395668 | 3158548711 | 33504900 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | Waterfall finding due to missing valid third party verification of self-employment for both borrowers. | Reviewer Comment (2025-05-28): VOE documentation received |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395668 | 3158548711 | 33504901 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing valid third party verification of self-employment for both borrowers. | Reviewer Comment (2025-05-28): VOE documentation received |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395668 | 3158548711 | 33504902 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing valid third party verification of self-employment for both borrowers. | Reviewer Comment (2025-05-28): VOE documentation received Buyer Comment (2025-05-28): VOE backup documentation provided |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395668 | 3158548711 | 33504903 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of actual receipt date of initial Closing Disclosure, issued on [Redacted], is not provided. Default receipt date is [Redacted], which is less than 3 business days prior to the closing date ([Redacted]). | Reviewer Comment (2025-05-28): e delivery/receipt of initial CD received Buyer Comment (2025-05-28): Do not Concur. Initial CD sent via [Redacted] [Redacted] |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395670 | 3158548715 | 33511477 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Loan Discount Points $[Redacted] was added to the Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2025-05-29): [Redacted] received a valid COC. Buyer Comment (2025-05-28): Do not Concur. Valid CICs occurred [Redacted] and LEv2 disclosed timely [Redacted] |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395671 | 3158548719 | 33510579 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall finding related to Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. | Reviewer Comment (2025-05-28): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-28): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/28/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395671 | 3158548719 | 33510580 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. | Reviewer Comment (2025-05-28): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-28): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395672 | 3158548720 | 33498028 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted] however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-28): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-28): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395672 | 3158548720 | 33498050 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording fee changed to $[Redacted] on the LE dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2025-06-02): we have resequenced the two LE's on [Redacted] Buyer Comment (2025-06-02): Do Not Concur. There are two LEs issued on the same day, yes, however please see included document snips that show LE version 1 disclosed recording fees as $[Redacted] setting baseline at $[Redacted]. LE version 2 disclosed a lower recording fee, and LE version 3 disclosed back at the baseline of $[Redacted]. The final closing disclosure has the recording fees as $[Redacted] which is within the baseline tolerance of $[Redacted]. LE version 1 was issued first, then LE version 2, then LE version 3. Please also see system snip showing electronic receipt of LEs with loan estimate being viewed first, and revised loan estimates being reviewed by customer later. Reviewer Comment (2025-06-02): There are two LE's, both dated [Redacted], one as the Recording Fee at $[Redacted] and the other one has the Recording Fee at $[Redacted], therefore the baseline is $[Redacted]. Buyer Comment (2025-05-30): Do not Concur. Recording fees on LEv1 set the baseline at $[Redacted]. [Redacted] is requesting a CIC for a decrease to $[Redacted] charged at closing. Invalid Exception. Reviewer Comment (2025-05-30): [Redacted] received rebuttal, however we require valid COC document for increase of recording fee. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2025-05-28): Do Not Concur. Please clarify, the LE issued on [Redacted] has recording fees of $[Redacted] and this was the first LE issued after the customer located their property and loan converted from the Homebuyer Advantage to an in process loan. ITP was captured on [Redacted]. |
06/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395672 | 3158548720 | 33556622 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | resequenced the [Redacted] LE's | Reviewer Comment (2025-06-02): resequenced the [Redacted] LE's |
06/02/2025 | 1 | A | A | A | A | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||
| 223395673 | 3158548727 | 33509825 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exceptions of Tradelines/Thin file. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted]. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-27): Exception approved, with comp factors. |
05/27/2025 | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395674 | 3158548729 | 33519675 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception to Occupancy to allow subject as a primary residence. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-27): Exception approved, with comp factors. |
05/27/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395675 | 3158548730 | 33506145 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception From in file for lender exception to allow receipt of rental payments. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-23): Exception approved, with comp factors. |
05/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 223395675 | 3158548730 | 33514303 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exceptions of DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-23): Exception approved, with comp factors. |
05/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395675 | 3158548730 | 33514312 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exceptions of DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-23): Exception approved, with comp factors. |
05/23/2025 | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395678 | 3158548734 | 33513123 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than three (3) business days after the application date of [Redacted]. | Reviewer Comment (2025-05-28): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-28): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395679 | 3158548736 | 33496601 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - K-1 Less Than 25 Percent | General QM: Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. | File is missing third party verification of the borrower's self-employment. | Reviewer Comment (2025-05-28): income/employment documentation received Buyer Comment (2025-05-28): VOE backup documentation provided |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | DC | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395679 | 3158548736 | 33496602 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than 25 Percent | General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. | File is missing third party verification of the borrower's self-employment. | Reviewer Comment (2025-05-28): income/employment documentation received Buyer Comment (2025-05-28): VOE backup documentation provided |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | DC | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395679 | 3158548736 | 33496605 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to missing third party verification of the borrower's self-employment, resulting in a loan designation discrepancy. | Reviewer Comment (2025-05-28): income/employment documentation received Buyer Comment (2025-05-28): VOE backup documentation provided |
05/28/2025 | 1 | B | A | C | A | B | A | C | A | B | A | DC | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395681 | 3158548741 | 33512497 | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Missing evidence that flood insurance was in force on or before disbursement. Effective date of insurance is [Redacted], which is after the disbursement date ([Redacted]). | Reviewer Comment (2025-05-28): flood insurance documentation received and acceptable Buyer Comment (2025-05-28): Flood Policy Provided Buyer Comment (2025-05-28): Flood Policy effective date is [Redacted] |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395681 | 3158548741 | 33520658 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing valid verification of employment for borrower obtained within 10 business days of Note date. The VVOE form provided lists contact name as '[Redacted]' ([Redacted]), which are [Redacted] employees. | Reviewer Comment (2025-05-28): VOE information provided is acceptable per guidelines |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395681 | 3158548741 | 33520659 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Missing valid verification of employment for borrower obtained within 10 business days of Note date. The VVOE form provided lists contact name as '[Redacted]' ([Redacted]), which are [Redacted] employees. | Reviewer Comment (2025-05-28): VOE information provided is acceptable per guidelines Buyer Comment (2025-05-28): Per VOE Procedures [Redacted] is an acceptable source |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395681 | 3158548741 | 33520661 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing valid verification of employment for borrower obtained within 10 business days of Note date. The VVOE form provided lists contact name as '[Redacted]' ([Redacted]), which are [Redacted] employees. | Reviewer Comment (2025-05-28): VOE information provided is acceptable per guidelines Buyer Comment (2025-05-28): VOE procedures provided |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395681 | 3158548741 | 33520673 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing valid verification of employment for borrower obtained within 10 business days of Note date, resulting in a loan designation discrepancy. | Reviewer Comment (2025-05-28): VOE information provided is acceptable per guidelines Buyer Comment (2025-05-28): VOE procedures provided |
05/28/2025 | 1 | B | A | C | A | B | A | C | A | B | A | RI | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395681 | 3158548741 | 33520674 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to missing valid verification of employment for borrower obtained within 10 business days of Note date. | Reviewer Comment (2025-05-28): VOE information provided is acceptable per guidelines Buyer Comment (2025-05-28): VOE procedures provided |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395681 | 3158548741 | 33520675 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing valid verification of employment for borrower obtained within 10 business days of Note date. | Reviewer Comment (2025-05-28): VOE information provided is acceptable per guidelines Buyer Comment (2025-05-28): VOE procedures provided |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395682 | 3158548743 | 33509853 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Missing evidence that hazard insurance was in force on or before disbursement. Effective date of insurance is [Redacted], which is after the disbursement date ([Redacted]). | Reviewer Comment (2025-05-28): HOI policy with acceptable effective date received Buyer Comment (2025-05-28): HOI effective date is [Redacted] |
05/28/2025 | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395684 | 3158548749 | 33509836 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Transfer Taxes were not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. | Reviewer Comment (2025-05-29): [Redacted] received COC and LOE dated [Redacted]. Buyer Comment (2025-05-28): Do not Concur. Valid CIC for receiving sales contract on [Redacted]. LEv2 disclosed timely same day. Per sales contract the seller/customer are to pay [Redacted]. |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395685 | 3158548750 | 33514788 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exception of DTI exceeding guideline. Exception approved with comp factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-27): Exception approved, with comp factors. |
05/27/2025 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395685 | 3158548750 | 33514808 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Escalation Form in file for lender exception of DTI exceeding guideline. Exception approved with comp factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-27): Exception approved, with comp factors. |
05/27/2025 | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395686 | 3158548752 | 33504605 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee was disclosed as $[redacted] on the initial Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2025-05-30): [Redacted] received a valid COC. Buyer Comment (2025-05-29): Do not Concur. Valid CICs for property type, loan amount, appraised value, and loan points occurred [Redacted]. LEv8 disclosed timely same day |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395687 | 3158548756 | 33513958 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Waterfall condition for Initial Loan Estimate was issued on [redacted] which was more than 3 business days after the application date of [redacted]. | Reviewer Comment (2025-05-29): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-29): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/29/2025 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395687 | 3158548756 | 33513966 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [redacted] which was more than 3 business days after the application date of [redacted]. The property was not identified [redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-29): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-29): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395687 | 3158548756 | 33513981 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was sent to the borrower on [redacted] is in file, however, we do not have evidence of receipt date to confirm it was 3 days prior to closing. | Reviewer Comment (2025-05-29): proof of appraisal e-delivery received Buyer Comment (2025-05-29): Do not Concur. Appraisal sent via DocMagic [Redacted] |
05/29/2025 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395688 | 3158548757 | 33504257 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Universal Escalation Form in file for lender exception of loan amount less than guideline minimum. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. Borrower has been employed in the same industry for more than [redacted] years. Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-28): Exception approved, with comp factors. |
05/28/2025 | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395688 | 3158548757 | 33504351 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on[redacted], which was more than 3 business days after the application date of [redacted]. The property was not identified on [redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-29): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-29): Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395688 | 3158548757 | 33504352 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Processing Fee was disclosed as $[redacted] on the initial Loan Estimate but disclosed as $[redacted] on the Final Closing Disclosure. A valid change of circumstance is not provided for fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2025-06-01): [Redacted] received COC dated [Redacted]. Buyer Comment (2025-05-29): Do Not Concur. Please see CICs for product change and CDv2 disclosed timely with the increased processing fee for the different product. |
06/01/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395688 | 3158548757 | 33508038 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of the greater of [redacted]% of the Federal Total Loan Amount and $[redacted] ([redacted]). Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an allowable total of $[redacted] and $[redacted] ([redacted]) (an overage of $[redacted] or [redacted]%). | QM Points and Fees ($[redacted]) exceeds threshold ($[redacted]) by $[redacted]. Missing price for undiscounted rate, thus, unable to determine whether there are bona fide discount points that may be excluded. | Reviewer Comment (2025-05-29): undiscounted rate and rate price received Buyer Comment (2025-05-29): Please see QM Testing Docs |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395688 | 3158548757 | 33508039 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to failure of high cost and QM Points & Fees testing, resulting in a loan designation discrepancy. | Reviewer Comment (2025-05-29): undiscounted rate and rate price received Buyer Comment (2025-05-29): Please see QM Testing Docs |
05/29/2025 | 1 | B | A | C | A | B | A | C | A | B | A | OH | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395691 | 3158548761 | 33514078 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-23): Sufficient Cure Provided At Closing |
05/23/2025 | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395691 | 3158548761 | 33521290 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to borrower verification of employment is dated [redacted], more than ten (10) business days prior to closing [redacted], resulting in a loan designation discrepancy. | Reviewer Comment (2025-05-30): VOE in file is sufficient to meet 10 business day requirement |
05/30/2025 | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395691 | 3158548761 | 33521291 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Borrower verification of employment is dated [redacted], more than ten (10) business days prior to closing [redacted]. | Reviewer Comment (2025-05-30): VOE in file is sufficient to meet 10 business day requirement Buyer Comment (2025-05-30): VOE completed according to procedures: Salaried Non-escrow state: 10 business days prior to closing Escrow state: 10 business days prior to the closing documents being sent out |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395691 | 3158548761 | 33521292 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Waterfall finding due to borrower verification of employment is dated [redacted], more than ten (10) business days prior to closing [redacted]. | Reviewer Comment (2025-05-30): VOE in file is sufficient to meet 10 business day requirement |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 223395691 | 3158548761 | 33521329 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to borrower verification of employment is dated [redacted], more than ten (10) business days prior to closing [redacted]. | Reviewer Comment (2025-05-30): VOE in file is sufficient to meet 10 business day requirement |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395694 | 3158548766 | 33526699 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-28): Sufficient Cure Provided At Closing |
05/28/2025 | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395696 | 3158548768 | 33520068 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Appraisal sent on [redacted]. Default receipt date is [redacted], which is less than 3 business days prior to Note date ([redacted]). Neither compliant borrower's acknowledgment of receipt nor waiver of delivery timing requirements provided. | Reviewer Comment (2025-05-30): proof of appraisal receipt received Buyer Comment (2025-05-30): Do not Concur. Appraisal sent via DocMagic Reviewer Comment (2025-05-29): This finding is regarding needing evidence the appraisal was received 3+ days prior to closing. Buyer Comment (2025-05-29): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/30/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395696 | 3158548768 | 33520069 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [redacted], which was more than 3 business days after the application date of [redacted]. The property was not identified on [redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. | Reviewer Comment (2025-05-29): Evidence of when the LE was required to be created and delivered has been received. Buyer Comment (2025-05-29): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395697 | 3158548770 | 33522349 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Missing required FACTA Disclosure(s). | Reviewer Comment (2025-05-29): FACTA disclosure received Buyer Comment (2025-05-29): Please see attached FACTAs |
05/29/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395698 | 3158548771 | 33510421 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit disclosed as -$[Redacted] on the initial Loan Estimate but disclosed as -$[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for credit decrease and no evidence of tolerance cure provided. | Reviewer Comment (2025-05-30): [Redacted] received valid COC dated [Redacted] Buyer Comment (2025-05-29): Do not Concur. Valid CICs for loan amount and appraised value occurred and CDv2 disclosed timely [Redacted] |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395698 | 3158548771 | 33510422 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Re-inspection Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. | Reviewer Comment (2025-06-02): valid COC received with acceptable timing for fee increase. Buyer Comment (2025-06-02): Do not Concur. Final Inspection invoice was not completed until [Redacted]. Same time appraisal was received and required final inspection. CIC and LEv5 disclosed timely. Reviewer Comment (2025-06-02): [Redacted] received 442 which is dated [Redacted] but the original 1004 with subject to completion is dated [Redacted]. More information on timeline or cure would be required. Buyer Comment (2025-05-30): Do not concur: The 1004 was dated [Redacted] as noted on the attached. Buyer Comment (2025-05-30): Attached. Reviewer Comment (2025-05-30): [Redacted] received COC dated [Redacted], however 1004 dated [Redacted] which is subject to completion and fee added on [Redacted] which is not within 3 days of 1004. Please provide additional sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2025-05-29): Do not Concur. [Redacted] recieved the appraisal/invoice [Redacted]. Per appraisal final inspections required. Valid CIC occured [Redacted] and LEv5 disclosed timely next day. |
06/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395698 | 3158548771 | 33519810 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Per title commitment, new loan's lender is the same as the prior originating lender. | Reviewer Comment (2025-05-29): H8 form acceptable based on additional attributes of the refinance transaction Buyer Comment (2025-05-29): Do not Concur. The original creditor field in MX was correctly entered as a [Redacted] affiliate which matched the Title schedule B. The rescindable amount is negative value. There were netting escrows on the [Redacted] payoff and the escrow balance on that lien was negative also. These negative amounts play a role in the MX system to why the H-8 form was selected. |
05/29/2025 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395699 | 3158548774 | 33505059 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Creditor did not provide FACTA Credit Score Disclosure. | Reviewer Comment (2025-05-29): FACTA disclosure received Buyer Comment (2025-05-29): Please see attached FACTAs |
05/29/2025 | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395700 | 3158548775 | 33514137 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2025-05-29): proof of disclosure sent to borrower timely has been received Buyer Comment (2025-05-29): Do not Concur. Home Loan Counseling sent in app package |
05/29/2025 | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395700 | 3158548775 | 33514138 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Sufficient or excess cure was provided to the borrower at Closing | Reviewer Comment (2025-05-23): Sufficient Cure Provided At Closing |
05/23/2025 | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 223395702 | 3158548777 | 33513555 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Documentation of appraisal being sent to borrower on [redacted] is in file; however there is nothing to document receipt and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2025-05-29): proof of delivery/receipt received Buyer Comment (2025-05-29): Do not Concur. Appraisal sent via DocMagic [Redacted] |
05/29/2025 | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 223395702 | 3158548777 | 33513556 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No documentation in file to evidence receipt of the Initial Closing Disclosure by the borrower and the presumed receipt date would not have been at least 2 business days prior to closing. | Reviewer Comment (2025-05-29): proof of delivery/receipt received Buyer Comment (2025-05-29): Do not Concur. Initial CD sent via DocMagic [Redacted] |
05/29/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 223395706 | 3158548781 | 33504259 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-05-22): Sufficient Cure Provided At Closing |
05/22/2025 | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 223395707 | 3158548784 | 33519802 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Escalation Form in file for lender exceptions of DTI Ratio moderately exceeding the guideline maximum of [Redacted]%. Exception approved with compensating factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-27): Exception approved, with comp factors. |
05/27/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395707 | 3158548784 | 33519832 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exceptions of DTI Ratio moderately exceeding the guideline maximum of [Redacted]%. Exception approved with compensating factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved, with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2025-05-27): Exception approved, with comp factors. |
05/27/2025 | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 223395708 | 3158548785 | 33514372 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Project Processing Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Project Processing Fee was not disclosed on the initial Loan Estimate. A valid change of circumstance is not provided for disclosure of new fee and no evidence of tolerance cure provided. | Reviewer Comment (2025-05-30): [Redacted] received valid COC dated [Redacted] Buyer Comment (2025-05-29): Do not Concur. Valid CIC for property type change occurred [Redacted]. CDv2 discled timely [Redacted] |
05/30/2025 | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |